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Why it’s your fault that you’re broke

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The best of the web on money, markets and all things financial, as chosen daily by Globe and Mail personal finance columnist Rob Carrick.

Why it's your fault that you're broke
The Squawkfox blog gets "a friendly sort of mean" to bluntly explain why some people have money problems.

Forged in fire: The adviser-client relationship
A survey in the United States finds investment advisers are more trusted than doctors and accountants. Apparently, the trials of the past few years have caused clients to bond with their advisers.

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Answering a taxing question
Here's a good little primer on the difference between marginal and average tax rates.

When memory fades
The Blunt Bean Counter blog looks at the problem of accessing the electronic financial accounts of someone who has died or whose memory is impaired by Alzheimer's. Some good suggestions here on how to safely record your passwords.

More money
Join the 13,000+ people who subscribe to my Facebook personal finance community for talk about investing, retirement, real estate, banking and other financial matters. I'm also on Twitter.

Follow us on Twitter: @globemoney

Editor's note: If you don't receive Rob Carrick's newsletter twice weekly by email, you can sign up to get it for free at The Globe and Mail. All you need to do is register for the site, or if you've already registered, log in and go to your profile at the top of the homepage. Once you're in your profile, look under Newsletters and Alerts and look for the Personal Finance Reader and other newsletters. Other financial newsletters include: Business Ticker, a summary of the day's top business stories; and Berman's Market Update, a summary of the markets at the open, noon and close.

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